Eastwest cc

need advise po.. had 3month overdue with my cc for 200k kasi po ngkaroon ako ng financial difficulties this past few month no work at this moment. so ang accpunt ko nasa 3rd party na asking pi ako ng restructure program informing them my situition. i dont have itr and payslip and im willing to pay nman po. ano po bang magandang gawin pata maayos ko mkapagstart na akong mgbayad...